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User Manual Oracle Banking Digital Experience Personal Finance

1. Total Monthly Income Please Enter Mandatory Numeric 15 Amount Indicates the monthly income for comparison with currency type Monthly Category wise Expenditure User Manual Oracle Banking Digital Experience Personal Finance Management 16 Home Rent Budget Calculator Optional Numeric 15 Lax cemalllenance Indicates the expenses in the home category with currency type Food and Groceries Optional Numeric 15 Utility Bills Electricity Gas Phone Travel Fuel train parking Debt Repayments Loan Instalment Family Expenses School Fees Savings Pension investments insurance Other monthly Expenditure Indicates the expenses in the food and groceries category with currency type Optional Numeric 15 Indicates the expenses in the utility bills category with currency type Optional Numeric 15 Indicates the expenses in the travel category with currency type Optional Numeric 15 Indicates the expenses in the debt repayments category with currency type Optional Numeric 15 Indicates the expenses in the family expenses category with currency type Optional Numeric 15 Indicates the expenses in the savings category with currency type Optional Numeric 15 Indicates the expenses in the others category with currency type In the Please Enter Amount field enter the amount Click Calculate My Total Savings The Budget Calculator screen calculates the savings
2. The Review Details screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 59 Create Goal Review Details f x REVIEW DETAILS 12 06 2015 11 38 42 GMT 0000 B yy E What are you Saving for Name your goal mycar Choose Category Buying a Vehicle Choose Sub Category Car Set target amount 150 000 00 GBP m Set target date 10 04 2014 Set Tenure 30Days Amount you wish to start with Amount 100 00 GBP Account number 1040411523062 How often would you like to contribute Funding account Number 1040411523062 Frequency Monthly Amount 15 000 00 GBP Start Date 13 03 2014 End Date 09 04 2014 How do you wish to receive the amount on completion of tenure Account Transfer Options Transfer to Users Mapped Accounts Account number 1040411523073 Branch CORE_COMB_STMT Create Goal Change 14 Click Create Goal to proceed with goal creation The Review Details screen with success message appears OR Click Change to make changes to the details The What are you Saving for section appears User Manual Oracle Banking Digital Experience Personal Finance Management 60 Create Goal Goal REVIEW DETAILS 12 06 2015 11 38 42 GMT 0000 B zo ie Ka a MESSAGES Interest Booking Account and TD account are same Do you want to Proceed amp Successfully Saved and Authorized 15 Click OK The initial Create Goal screen appears
3. Displays the tenure of the goal Saved Display Displays the current balance in the goal including the earned interest Still to achieve Display Displays the difference between the target and saved amount Initial amount you started with Amount Display Displays the initial funding amount Account Number Display Displays the account number from which funds will be debited for initial funding How often you are contributing Funding Account Display Number Displays the funding account number Frequency Display Displays the frequency or regular contribution Amount Display Displays the amount for regular contribution User Manual Oracle Banking Digital Experience Personal Finance Management 63 Create Goal Field Name Description Start Date Display Displays the start date of the goal End Date Display Displays the end date of the goal How do you wish to receive the amount on completion of tenure Account Transfer Display Options Displays the account transfer option selected Account Number Display Displays the account number for transfer City Display Displays the city of the account as per account transfer option selected Branch Display Displays the branch of the account as per account transfer option selected 16 Click Options and then select the desired option to go to the respective screens OR Click Back to go to the previous screen User Manual Oracle
4. Indicates list of branches for selection depending on the city selection Below fields appears if you select Transfer through Domestic Clearing Network option from the Account Transfer Options list Beneficiary Name Mandatory Alphanumeric 35 Indicates the name of the beneficiary to whom funds are to be transferred Network Type Mandatory Drop Down Indicates the applicable domestic clearing networks Bank Code Mandatory Pick List Indicates the destination account s bank code Bank Name Display Displays the name of the beneficiary bank Bank Address Display Displays the address of the beneficiary bank City Display Displays the city of the beneficiary bank Edit the details if required Click Submit The Review Details screen appears Transactions The transactions option allows user to view all the transactions happened till date in that particular goal Only Open or Active transactions are allowed to check The Goal Transaction displays the date of transaction description of transaction type of transactions Debit or Credit and the balance in the account and contributed by To view all transactions in a Goal From the PFM menu select Manage My Finance The Manage My Finance screen appears In the Goal section click Options and then select Transactions The Transactions screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 80 Options Available for
5. Transaction Host Integration Matrix 2 Transaction Host Integration Matrix Legends NH No Host Interface Required Host Interface to be developed separately Pre integrated Host interface available x Pre integrated Host interface not available Transaction Name FLEXCUBE UBS Third Party Host System Asset and Liability y ge Currency Wise Position Budget Calculator NH NH Set Budget NH NH Modify Budget NH NH View Expenses Vs Budget NH NH Budget History NH NH Delete Budget NH NH Spending Analysis Categories in the Spending Analysis Sub Categories in the Y Spending Analysis Re Categorization v Adding a new Category or Sub Category Deleting an Existing v Category or Sub Category Compare Spend NH NH Working of Goal Settings E S User Manual Oracle Banking Digital Experience Personal Finance Management 5 Transaction Host Integration Matrix Transaction Name FLEXCUBE UBS Third Party Host System Goal Calculator to View NH NH Indicative Savings Creating Goal y Options Available for Goal ve Fund Goal y Modify Goal E Share Goal NH NH Transactions in View Goal y Request Contribution to NH NH the Goal Add participants to the NH NH Goal Benchmarking Compare NH NH Goals Redeem Goal User Manual Oracle Banking Digital Experience Personal Finance Management 6 Manage My Fin
6. User Manual Oracle Banking Digital Experience Personal Finance Management 61 Create Goal Goal Details This screen appears if the user clicks anywhere on the goal image This screen provides the goal details GOAL DETAILS 12 06 2015 06 28 37 GMT 0000 B wv D What are you Saving for Goal Name FirstCar Buying a Vehicle Category Target 180 000 00 GBP Sub category Car Still to Achieve 176 546 00 GBP Target date 10 04 2014 Saved 3 454 00 GBP Tenure 30 days Initial amount you started with Amount 3 344 00 GBP Funding account number 1040411523 How often you are contributing Funding account number Frequency Amount Start Date End Date How do you wish to receive the amount on completion of tenure Account Transfer Options Transfer through Domestic Clearing Network Account number 1040411228018 Beneficiary Name RDs Bank Code HDFCO Bank Name Hdfc Bank Ltd Bank Address Aa 8 2nd Avenue Anna Nagar City Chennai m m User Manual Oracle Banking Digital Experience Personal Finance Management 62 Create Goal Field Description Field Name Description What are you Saving for Goal Name Display Displays the goal name Category Display Displays the goal category Sub Category Display Displays the goal sub category Target Display Displays the goal amount Target Date Display Displays the goal end date Tenure Display
7. e Transfer to Users Mapped Accounts e Transfer to Internal Bank Account e Transfer through Domestic Clearing Network Account Number Conditional Alphanumeric 20 Drop Down Indicates the account number to which proceeds are to be transferred This field is a searchable drop down if you select Transfer to Users Mapped accounts option from the Account Transfer Options list Below fields appears if you select Transfer to Internal Bank Account option from the Account Transfer Options list City Mandatory Drop Down Indicates the city of the branch User Manual Oracle Banking Digital Experience Personal Finance Management 58 Field Name Branch Create Goal Description Mandatory Drop Down Indicates list of branches for selection depending on the city selection Below fields appears if you select Transfer through Domestic Clearing Network option from the Account Transfer Options list Beneficiary Name Network Type Bank Code Bank Name Bank Address City Click Submit Mandatory Alphanumeric 35 Indicates the name of the beneficiary to whom funds are to be transferred Mandatory Drop Down Indicates the applicable domestic clearing networks Mandatory Pick List Indicates the destination account s bank code Display Displays the name of the beneficiary bank Display Displays the address of the beneficiary bank Display Displays the city of the beneficiary bank
8. Banking Digital Experience Personal Finance Management 64 9 1 4 Options Available for Goal Options Available for Goal The Goal related features are provided to the Existing Customer of the Bank These options provide the visitors to view the information related to Goals and navigate them to create various Goal functions Fund Goal The Goal is to be credited at regular intervals based on the instructions if the Regular Contribution is been set The Ad hoc Contribution to the goal also can be done by the Internal Transfer from the Internal Accounts There are no restrictions to the number of times a goal can be funded during the tenure of the goal The goal can be funded from an account of different currency from the Goal Currency To access Fund Goal From the PFM menu select Manage My Finance The Manage My Finance screen appears Select Goal section Click Options The following Goal screen appears Goal Goals MY GOALS Fund Goal Add Funds To Your Goal Ei Edit Edit Your Goal d Share Share Your Goals With Goal Amount f Friends On Facebook My Progress 12 000 00 GBP EI Transactions View The Debits E And Credits On Your Goals Click Fund Goal The Fund Goal screen appears User Manual Oracle Banking Digital Experience Personal Finance Management Add Goal Request For Contribution S Request Friends And Family For Contribution Participants Add Your Friends And
9. Branch list select the appropriate option 5 Click Submit to submit the redemption The Redeem Goal verification screen appears Redeem Goal Verify REDEEM GOAL x Goal will be closed and fund shall be transferred as per the instructions given by you Redeem Type Redemption Amount 12000 00 GBP Reason for redemption mode Account Transfer oe ta Ilea Options SE i Funding Account 000003171225 000 000003171 Change Confirm User Manual Oracle Banking Digital Experience Personal Finance Management 88 Options Available for Goal Click Confirm The Redeem Goal confirmation screen appears OR Click Change The Redeem Goal screen appears Redeem Goal Note On Verification and Confirmation an alert is sent to the user User Manual Oracle Banking Digital Experience Personal Finance Management 89
10. Email Id Note Please share reference number and security code with the user who has been added as participant for authentication Note The numbers of participants that can be added to a goal are configurable 6 Click OK to close the message box Note If the participant rejects the request then on clicking the Email link an error message is displayed as Authentication failed You have rejected the request to be added as participant of goal 9 3 Share Goal The Share Goal option allows user to share goals with contacts on social media from the available list of the friends A Goal can be shared with Public All Also the Multiple Contact Selection is allowed A message configurable by the bank with a title a short description of the goal personalized message if specified is posted on the wall of the user A link to the bank s URL is also available on the shared post This link navigates user to the bank s page from where the user can access Goal Settings The Goal can also be shared by the participant irrespective of whether the owner of the goal has shared the goal or not To share a Goal 1 From Manage My Finance screen select Goal section User Manual Oracle Banking Digital Experience Personal Finance Management 70 2 Click Options The following Goal screen appears Share Goal Goals MY GOALS Goal Amount 1 My Progress 12 000 00 GBP 3 Click Share The Share Goal screen
11. Field Description Field Name Description Redeem your goal partially or close your goal and transfer your maturity amount into your selected account Redeem Type Mandatory Option Indicates the type of redemption The options are e Partial e Full Current Balance Display Displays the current goal amount User Manual Oracle Banking Digital Experience Personal Finance Management 86 Options Available for Goal Field Name Description Redemption Mandatory Numeric 15 Amount Indicates the amount to be redeemed Reason for Optional Alphanumeric 40 redemption Indicates the reason for redemption Account Transfer Mandatory Drop Down Options Indicates the account transfer options The options are e Transfer to Users Mapped Accounts e Transfer to Internal Bank Account e Transfer through Domestic Clearing Network Account Number Conditional Alphanumeric 20 Drop Down Indicates the account number to which proceeds to be transferred This field is a searchable drop down if you select Transfer to users Mapped accounts option from the Account Transfer Options list Below fields appears if you select Transfer to Internal Bank Account option from the Account Transfer Options list City Mandatory Drop Down Indicates the city of the branch Branch Mandatory Drop Down Indicates list of branches for selection depending on the city selection Below fields appears if you select Tra
12. Oracle Banking Digital Experience Personal Finance Management 30 Spending Analysis Click Compare with Peers The Compare with Peers screen appears OR Click Download to download either graph or both graph and transactions Spending Analysis for All the Internet Banking Customers SPENDING ANALYSIS 10 06 2015 06 11 57 GMT 0000 B yy E m premanshuf mp Legal Expenses m Utility Payment m Term Deposit m New Banker class Others m Time Deposit Amount in GBP V S Categories View Transactions Compare With Peers Download m m Note The Spending Analysis for the Internet Banking Customers is displayed as Pie Chart and Bar Graphs Field Description Field Name Description Customer Display Displays the customers Search By Display Displays the period selected for which to view the spending analysis User Manual Oracle Banking Digital Experience Personal Finance Management 31 Spending Analysis From Date Display Displays the start date selected within which to view transactions that were initiated To Date Display Displays the end date selected within which to view transactions that were initiated Currency Display Displays the currency selected for which to view spending analysis Graphs Pie chart Display and Bar graph l Displays the both the pie chart and the bar graph The legend with the amount spent and wise amount spent on the cat
13. Q How often would you like to contribute How do you wish to receive the amount on completion of tenure Field Description Field Name Description Amount you wish to start with Please provide the funding details for the goal account Amount Mandatory Numeric 15 Indicates the amount to be credited to the goal after creation The amount need to be greater than zero and also greater than the minimum balance required for the product Funding Account Mandatory Drop Down Number Indicates the account number from which funds will be credited to the goal Click la to search the CASA accounts linked to the user 10 In the Amount field enter the amount to be credited 11 From the Funding Account Number list select the appropriate account number User Manual Oracle Banking Digital Experience Personal Finance Management 56 Create Goal How often would you like to contribute CREATE GOAL 12 06 2015 11 25 32 GMT 0000 What are you Saving for How often would you like to contribute Funding account iker 10411523 1040411523062 CO e CO Frequency Monthly Amount 15000 00 Start Date 13 03 2014 SS End Date 09 04 2014 How do you wish to receive the amount on completion of tenure Submit Field Description Field Name Description How often would you like to contribute This section is mandatory if value is selected for
14. Spending Analysis screen appears Spending Analysis SPENDING ANALYSIS 10 06 2015 06 11 57 GMT 0000 B wy O P x m premanshuf m Legal Expenses m Utility Payment Term Deposit m New Banker class Others m Time Deposit Amount in GBP V S Categories GN D IS View Transactions Compare With Peers Download m m Click Compare with Peers The Compare with Peers screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 43 Spending Analysis Compare with Peers COMPARE WITH PEERS 08 Jul 2015 06 47 12 GMT 0000 Bre want to Compare Spend x WONVATLOCGURT 14 E Workshop Select Category HOMELOAN LAON45 Time Deposit The result displayed below is based on the data available for your profile You can change data for comparison and remove data for comparison using checkboxes available Choose Income Group Select el v Choose Age Group Select l 7 Choose Gender Female z Choose State Select l Compare Field Description Field Name Description I want to Compare Mandatory Drop Down Indicates the user to select a transaction The options are e Goals e Budget e Spend Select Category Mandatory Drop Down Indicates the sub categories for comparison of expenses Choose Income Optional Drop Down Check Box Group Indicates the user to select income group for analysis Indicates whether to include
15. Support https support us oracle com Structure This manual is organized into the following categories Preface gives information on the intended audience It also describes the overall structure of the User Manual Transaction Host Integration Matrix provides information on host integration requirements for the transactions covered in the User Manual The subsequent chapters provide information on transactions covered in the User Manual Each transaction is explained in the following manner Introduction to the transaction Screenshots of the transaction The images of screens used in this user manual are for illustrative purpose only to provide improved understanding of the functionality actual screens that appear in the application may vary based on selected browser theme and mobile devices Procedure containing steps to complete the transaction The mandatory and conditional fields of the transaction are explained in the procedure If a transaction contains multiple procedures each procedure is explained If some functionality is present in many transactions this functionality is explained separately Related Information Sources For more information on Oracle Banking Digital Experience Release 15 1 0 0 0 refer to the following documents Oracle Banking Digital Experience Licensing Guide Oracle Banking Digital Experience Installation Manuals User Manual Oracle Banking Digital Experience Personal Finance Management 4
16. change data for comparison and remove data for comparison using checkboxes available E Choose Income Group Select v Mi Choose Age Group 21 30 Z Idi Choose Gender Female X E Choose State Select Observation See what people like you doing for their goals 8 5 1 Is the no of people who Is the no of people who Is the no of people who have a same goal of lie in the same age have same gender and Buying a Vehicle group and have a same have a same goal of as you goal of Buying a Buying a Vehicle Vehicle as you as you Average goals and targets achievement by the people 1 Months has been set as tenure by people for this goal of Buying a Vehicle 1268370 average has been the amount set as tenure by people for this goal of Buying a Vehicle 1 Months average has been set as the time frame within which people have achieved this goal of Buying a Vehicle User Manual Oracle Banking Digital Experience Personal Finance Management 83 Options Available for Goal Field Description Field Name Description I want to Compare Mandatory Drop Down Indicates the user to select a transaction The options are e Goals e Budget e Spend Select Goal Type Conditional Drop Down Indicates the type of goal To enable this field select Goals from the I want to Compare list Choose Income Optional Drop Down Check Box Group Indicates the user to select income
17. in with respect to expenditure OR Click Compare Budget The Compare Budget screen appears OR Click Reset to clear all values OR Click Help Me Create Budget The Manage My Finance screen with appears in case the screen accessed from Login screen or Set A Budget screen in case accessed from within application User Manual Oracle Banking Digital Experience Personal Finance Management 17 Budgeting 5 Budgeting The Budgeting feature allows a customer to plan a budget against the expenses being done by the customer It allows a customer to create modify and delete budget track the progress of the budget and compare budget with peers The Budgeting feature also includes a calculator to find the Total Savings after all the expenditures are compared with the income To plan a budget 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 18 Budgeting Manage My Finance MANAGE MY FINANCE 10 Jul 2015 06 13 49 GMT 0000 Financial Overview See More Details HAVE 1 OWE 777 114 558 00 GBP 100 372 578 432 989 75 GBP Your Expense Vs Budget 01 Jan 2015 to 31 Dec 2015 lt lt gt gt New Banker class B 0 00 GBP of 5 000 00 GBP Utility Payment 0 00 GBP of 700 00 GBP Charity Donations 0 00 GBP of 5 000 00 GBP Spending Analysis LOAN Last 6 months LOAN 120000 00 Rent 400000 00 Other Expens
18. link to view the amount that should be saved regularly to reach the target amount by the tenure set The Goal Calculator screen appears OR Click Compare The Compare Goal screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 77 Options Available for Goal Edit Goal EDIT GOAL What are you Saving for How often would you like to contribute Funding account Number 10411523 1040411523062 CO Frequency Monthly Amount 20000 Start Date 13 03 2014 E End Date 09 04 2014 How do you wish to receive the amount on completion of tenure Field Description Field Name Description How often would you like to contribute This section is mandatory if value is selected for any of the fields under this section Funding Account Optional Drop Down Number Indicates the account number from which regular contributions will be credited to the goal Click la to search the CASA accounts linked to the user Frequency Optional Drop Down Indicates the frequency of the regular contributions Amount Optional Numeric 15 Indicates the amount to be debited for regular contribution Amount should be less than the target amount Start Date Optional Pick List Indicates the date from which the regular contributions will be executed User Manual Oracle Banking Digital Experience Personal Finance Management 78 Options Available
19. of time By default this period shall be the past Six months To view the spending trends Click the View Trend of last six months link for the Category or Subcategory The Spending Trend screen displaying spending trend of specific category or sub category appears Spending Trend SPENDING TREND Spending Trend in GBP of Category Utility Payment over the Last Six Months 2000 00 1500 00 KE 1000 00 500 00 0 00 Mar 14 Download Click Download to download the spending trend User Manual Oracle Banking Digital Experience Personal Finance Management 35 Spending Analysis 6 1 Transactions This screen displays the records of transactions done on accounts of all customers and that are assigned to all categories The user shall not be able to make any modifications to categories on this screen To view the transactions 1 Navigate to initial Spending Analysis screen From the Search By list select the appropriate option Click View Transactions The Transaction screen with transaction records that are assigned to the category or sub category appears Transactions of the All the Customers for the Selected Categories Sub Categories TRANSACTIONS x Word Wrap Customize Columns Download Print Date Customerid Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category Subcategory 10 03 2014 10411523 1040411523062 104FTRQ140690002 ACCOUNT TO ACCOUNT
20. this category for comparison or not Choose Age Group Optional Drop Down Check Box Indicates the user to select age group for analysis Indicates whether to include this category for comparison or not Choose Gender Optional Drop Down Check Box Indicates the user to select gender group for analysis Indicates whether to include this category for comparison or not User Manual Oracle Banking Digital Experience Personal Finance Management 44 m Spending Analysis Choose State Optional Drop Down Check Box Indicates the user to select state for analysis Indicates whether to include this category for comparison or not From the I want to Compare list select the Spend option From the Select Category list select the appropriate option Click Compare to get the average analysis The Compare with Peers bar chart appears User Manual Oracle Banking Digital Experience Personal Finance Management 45 Spending Analysis Compare with Peers COMPARE WITH PEERS 08 Jul 2015 06 47 12 GMT 0000 Br x want to Compare Spend l NCMCAICOORT 14 D Workshop Select Category HOMELOAN D LAON45 iS The result displayed below is based on the data available for your profile You can change data for comparison and remove data for comparison using checkboxes available F Choose Income Group Select l Vi Choose Age Group Select z V Choose Gender Female E F Choose State Select l 12000 100
21. transaction was performed Account Display Displays the account number through which the transaction was performed Transaction Ref No Display Displays the reference number of the transaction Transaction Display Description Displays the description of the transaction as per the host Amount Display Displays the transaction amount with currency Equivalent currency Display Amount Displays the transaction amount with currency of as per bank rate 5 To modify a category select a record a If you select more than one records i From the Multiple Update list select the appropriate option ii Click the icon to assign the selected category to the transactions User Manual Oracle Banking Digital Experience Personal Finance Management 38 b Click the 8 icon to modify the categories of single record OR Click the Manage Categories link to add or delete the categories subcategories The Manage Categories screen appears The options mentioned below are applicable for records of category search transactions To enable the word wrap in the columns select the Word Wrap check box Click Customize Columns to reorder the columns or select the columns that appear in the list Spending Analysis Click Download to download all or selected columns in the category search transactions list You can download the list in PDF XLS QIF OFX and MT940 formats Click Print to print record Click to view
22. 00 8000 D 6000 D 4000 2000 D New Banker class Time Deposit Utility Payment Term Deposit Loan payment Expenditure comparison for you with People in same group as you for same age group gender and state The average expenditure set by the people in the selected age group gender and state for category New Banker class is 0 0 Whereas Expenditure by you for this category is 1479 45 The average expenditure set by the people in the selected age group gender and state for category Time Deposit is 0 0 Whereas Expenditure by you for this category is 1589 5 The average expenditure set by the people in the selected age group gender and state for category Utility Payment is 0 0 Whereas Expenditure by you for this category is 8609 89 The average expenditure set by the people in the selected age group gender and state for category Term Deposit is 0 0 Whereas Expenditure by you for this category is 1520 The average expenditure set by the people in the selected age group gender and state for category Loan payment is 0 0 Whereas Expenditure by you for this category is 10005 User Manual Oracle Banking Digital Experience Personal Finance Management 46 Spending Analysis User Manual Oracle Banking Digital Experience Personal Finance Management 47 Spending Analysis Field Description Field Name Description Average Goals and Display Targets Displays a chart comparing the user entered expense from spending analysis agai
23. 00 GBP Change Image Set target date 10 04 2014 e OR Set Tenure 0 sl 0 el 30 Je How often would you like to contribute How do you wish to receive the amount on completion of tenure User Manual Oracle Banking Digital Experience Personal Finance Management 76 pO Or 2 Options Available for Goal Field Description Field Name Description What are you Saving for Please provide your Goal Details Name your goal Mandatory Alphanumeric 40 Indicates the name of the goal Choose Category Display Displays the goal category Choose Sub Display Category Displays the goal sub category Change Image Mandatory Link Indicates the link to set the image to be assigned to the goal Set an Amount Mandatory Numeric 15 Indicates the amount of the goal along with the currency icon or ISO value of the currency Set Target Date Conditional Pick List Indicates the end date of the goal The date should be greater than the current date Set Tenure Conditional Drop Down Indicates the tenure of the goal in terms of number of years months and days In the Name your goal field enter the name of your goal Click the Change Image link In the Set an Amount field enter the goal amount From the Set Target Date list select the appropriate date OR From the Set Tenure list select the appropriate values for years months and days Click the Goal Calculator
24. 10 00 GBP 10 00 kanei Payment 0041TSB141810A2E 10 03 2014 10411523 1040411523062 104SIU1140692002 COMMISSION GBP 30 00 GBP 30 00 me 004ITSB141810A2E 3 i 5 A Utility Payment y 10 03 2014 10411523 1040411523062 104F TIN14069C3xB INTERNAL FUND TRANSFER GBP 8 000 00 GBP 8 000 00 Gare 0041TSB141810A2E SSES i Utility Payment 10 03 2014 10411523 1040411523062 104F TIN14069A0FC INTERNAL FUND TRANSFER GBP 111 00 GBP 111 00 Kin 0041TSB141810A2E Records 1 to 7 of 7 Page gt of 4 Download z j Icon to update modify the category or sub category Link Indicates the link to update the category sub category given by the host against a transaction with a custom category User Manual Oracle Banking Digital Experience Personal Finance Management 37 Spending Analysis Field Name Description Category Display Optional Drop Down Displays the category or sub category to which the transaction is assigned P To enable the list click the Edit icon Click to submit the modified category appears if the user clicks the icon Click x to delete the modified category appears if the user clicks the icon Multiple Update Conditional Drop Down Indicates to modify the category or sub category This field appears if you select more than one record to modify Date Display Displays the date on which the transaction was done Customer Id Display Displays the customer Id for which the
25. Drop Down Check Box Indicates the user to select state for analysis Indicates whether to include this category for comparison or not 4 From the I want to Compare list select the appropriate option From the Select Category list select the appropriate option 6 Click Compare to get the average analysis The Categories Vs Budget bar chart appears User Manual Oracle Banking Digital Experience Personal Finance Management 25 Budgeting Categories Vs Budget New Banker class Charity Donations Utility Payment Budget comparison for you with People in same group as you for same age group gender state The average budget set by the people for category New Banker class is 5000 0 Whereas Budget set by you for this cateogry is 5000 The average budget set by the people for category Charity Donations is 5000 0 Whereas Budget set by you for this cateogry is 5000 The average budget set by the people for category Utility Payment is 700 0 Whereas Budget set by you for this cateogry is 700 5 3 Budget History The Budget History screen displays your Expenses Vs Budget of the previous configured periods for the categories and sub categories Current Period the Previous Configured Periods If no budgets are set for Categories or Sub categories for the given period then that space is left blank and an error message is displayed as No budget set for the selected period The Expenses Vs Budget is displayed for the remaining pe
26. Family As Participants To Your Goal Comparison Compare Your a S Goal Performance With Other People Like You xxx Redeem Redeem Your Goal 65 Options Available for Goal Fund Goal FUND GOAL x You can Fund your goal through your funds from an existing saving account Funding Account 000003171 000003171225 Ba Q Amount 1000 GBP TestGoal Minimum goal amount 100 00 GBP Maximum goal amount 500 000 00 GBP Field Description Field Name Description You can Fund your goal through your funds from an Existing Saving Account Funding Account Mandatory Drop Down Indicates the funding account number Amount Mandatory Numeric 15 Indicates the amount to be credited along with the currency of the funding account Payment Schedule Mandatory Option Indicates the payment schedule for funding the goal The options are e Pay Now e Pay Later This field does not appear to the user for UBS as host Payment Date Conditional Pick List Indicates the date on which the funds will be credited to the goal This field appears if you select the Pay Later option in the Payment Schedule field 5 From the Funding Account Number list select the appropriate account number 6 In the Amount field enter the amount to be credited 7 From the Payment Schedule list select the appropriate option a If you select Pay Later option i From the Payment Date list select the appropriate date
27. Goal Transactions TRANSACTIONS x Word Wrap Customize Columns Download Print Date Narration Deposit Withdrawal Balance Contributed By 11 03 2014 NEW DEPOSIT GBP 12 000 00 GBP 12 000 00 Records 1 to 1 of 1 Page sl of 1 Column Description Field Name Description Date Display Displays the date on which the transaction has been executed Narration Display Displays the description of the transaction entered Deposit Display Displays the credit amount with currency into the account will be displayed in the deposit column Withdrawal Display Displays the debit amount with currency to the account will be displayed in the withdrawal column Balance Display Displays the current balance in the account will be updated in the balance column Coniributed By Display Displays the name of the contributor to the goal User Manual Oracle Banking Digital Experience Personal Finance Management 81 Options Available for Goal The options mentioned below are applicable for records of goal transactions To enable the word wrap in the columns select the Word Wrap check box Click Customize Columns to reorder the columns or select the columns that appear in the goal transactions list Click Download to download all or selected columns in the goal transactions list You can download the list in PDF XLS QIF OFX and MT940 formats Click Print to print the goal transactions list
28. ORACLE Oracle Banking Digital Experience Personal Finance Management User Manual Release 15 1 0 0 0 Part No E66313 01 October 2015 Personal Finance Management User Manual October 2015 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2008 2015 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or inte
29. TRANSFER GBP 15 00 GBP 15 00 Utility Payment 004ITSB141810A2E 10 03 2014 10411523 1040411523062 104FTRQ140690002 ACCOUNT TO ACCOUNT TRANSFER GBP 8 00 GBP 8 00 Utility Payment 004ITSB141810A2E 10 03 2014 10411523 1040411523062 1040PEX140690502 Payments and Collections Transaction code GBP 10 00 GBP 10 00 Utility Payment 0041TSB141810A2E 11 03 2014 10411523 1040411523062 104SIU1140692002 COMMISSION GBP 10 00 GBP 10 00 Utility Payment 004ITSB141810A2E d 10 03 2014 10411523 1040411523062 104SIU1140692002 COMMISSION GBP 30 00 GBP 30 00 Utility Payment 004ITSB141810A2E 10 03 2014 10411523 1040411523062 104FTIN14069C3XB INTERNAL FUND TRANSFER GBP 8 000 00 GBP 8 000 00 Utility Payment 004ITSB141810A2E 10 03 2014 10411523 1040411523062 104FTIN14069A0FC INTERNAL FUND TRANSFER GBP 111 00 GBP 111 00 Utility Payment 004ITSB141810A2E Records 1 to 7 of 7 Page el of 1 Download Column Description Field Name Description Date Display Displays the date on which the transaction was done Customer Id Display Displays the customer Id for which the transaction was performed Account Display Displays the account number through which the transaction was performed Transaction Ref No Display Displays the reference number of the transaction User Manual Oracle Banking Digital Experience Personal Finance Management 36 Transaction Description Amount Display Displays the description of the transaction as per the h
30. User Manual Oracle Banking Digital Experience Personal Finance Management 66 Options Available for Goal 8 Click Submit The Fund Goal verify screen appears Fund Goal Verify FUND GOAL x Goal will be funded as per the instructions given by you Funding Account 000003171225 000 000003171 Amount 1000 GBP Change Confirm 9 Click Confirm The Fund Goal confirm screen appears OR Click Change to change the details The Fund Goal screen appears Fund Goal Confirm FUND GOAL Transaction with reference number 133622444460243 is in Accepted state Goal will be funded as per the instructions given bv vou MESSAGES Funding Account A Record Successfully Saved and Amount Authorized SE 10 Click OK User Manual Oracle Banking Digital Experience Personal Finance Management 67 Options Available for Goal 9 2 Participants The Add Participants feature allows the user to set the goal with others as participants The participant s once added to a Goal is able to Fund the Goal Share the Goal Request for Contribution and View Goal Transactions To add new Participants 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears 2 In the Goal section click Options and then click Participants The Participants screen appears Participants PARTICIPANTS Existing Participants Goal Add New Participants 3 Click Add
31. Your Goal 13 4 User Manual Oracle Banking Digital Experience Personal Finance Management OR Click Request for Contribution The Request for Contribution screen appears OR Click Participants The Participants screen appears OR Click Transactions The Transactions screen appears OR Click Comparison The Compare Goal screen appears OR Click Redeem The Redeem Goal screen appears OR Click Add Goal The Create Goal screen appears OR Click Goal Image Goal Name The Goal Details screen appears Joint Goals This tab displays the goal s in which you have been added as a participant Manage My Finance Goals MY GOALS JOINT GOALS SHARED GOALS Goal Amount My Progress 12 280 00 GBP Options Add Goal Click Options The Goals screen with different options for transactions in a goal appears Manage My Finance Options Goals Add Goal MY GOALS Zen W Fund Goal Add Funds To Your Request For Contribution 6 Goal p Request Friends And Family JOINT GOALS For Contribution SHARED GOALS Share Share Your Goals With Deregister Deregister As Friends On Facebook Participant Transactions View The Debits Goal Amount j And Credits On Your Goals My Progress 12 280 00 GBP puwes 5 Click Fund Goal The Fund Goal appears OR Click Share The Share Goal screen appears OR Click Request for C
32. ance 3 Manage My Finance The Manage My Finance feature helps user to deal with the Personal Financial Management that gives a Financial Overview and accordingly helps user to create modify and view budgets and goals It also includes the unique feature known as Spending Analysis It allows user to view and analyze spending pattern in the graphical form To manage Finance 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears Home Page ORACLE JOHN SMITH e e HOME ACCOUNTS PFM PAYMENTS RECEIVE MONEY BILL PAYMENTS NEW ACCOUNT OPENING WEALTH MANAGEMENT TOOLS Manage My Finance I HAVE OWE 16 082 723 439 24 GBP Choose Account Current and Savings DEE a 000003171225 000 000003171 7 wees n 30 06 2014 Cr 11 00 GBP Term Deposits j 00 30 06 2014 cr 11 00 GBP Contract Term Deposits in User Manual Oracle Banking Digital Experience Personal Finance Management 7 Manage My Finance Manage My Finance MANAGE MY FINANCE 10 Jul 2015 06 13 49 GMT 0000 2 aw Financial Overview See More Details HAVE OWE 777 114 558 00 GBP 100 372 578 432 989 Your Expense Vs Budget 01 Jan 2015 to 31 Dec 2015 lt lt gt gt New Banker class B 0 00 GBP of 5 000 00 GBP Utility Payment eb 0 00 GBP of 700 00 GBP Charity Donations B 0 00 GBP of 5 000 00 GBP Spending Analysis LOAN Last 6 months LOAN 120000 00 Rent 100000 00 Other Expense
33. and open the list as a PDF document Click to view the first page of the goal transactions list Click KJ to view the previous page of the goal transactions list Click KL to view the next page of the goal transactions list Click wl to view the last page of the goal transactions list From the Page list select the required page number of the goal transactions list From the Show Rows list select the number of rows to be displayed in the goal transactions list Click next to the required column to sort the records of goal transactions in ascending or descending order User Manual Oracle Banking Digital Experience Personal Finance Management 82 9 7 Options Available for Goal Benchmarking Compare Goals The Benchmarking feature allows a customer or a non customer to compare their standings for various products and services like their Goals their Budgets with others A user is able to benchmark his performance and compare with people lying within same age group same income group same locality etc or as per the selection To compare Goals From the PFM menu select Manage My Finance The Manage My Finance screen appears In the Goal section click Options and then select Transactions The Transactions screen appears Compare Goals COMPARE GOAL want to Compare Goals 4 Select Goal Type Buying a Vehicle The result displayed below is based on the data available for your profile You can
34. any of the fields under this section Funding Account Optional Drop Down Number Indicates the account number from which regular contributions will be credited to the goal Click OI to search the CASA accounts linked to the user Frequency Optional Drop Down Indicates the frequency of the regular contributions Amount Optional Numeric 15 Indicates the amount to be debited for regular contribution Amount should be less than the target amount Start Date Optional Pick List Indicates the date from which the regular contributions will be executed End Date Optional Pick List Indicates the end date until which the regular contributions will be executed User Manual Oracle Banking Digital Experience Personal Finance Management 57 Create Goal 12 Enter the details in How often would you like to contribute section if required How do you wish to receive the amount on completion of tenure CREATE GOAL 12 06 2015 11 25 32 GMT 0000 B yy E What are you Saving for How often would you like to contribute How do you wish to receive the amount on completion of tenure econ iat Transfer to Users Mapped Accounts nA Options Account number 10411523 1040411523073 CO e CO Field Description Field Name Description How do you wish to receive the amount on completion of tenure Account Transfer Mandatory Drop Down Options Indicates the account transfer options The options are
35. appears Share Goal SHARE GOAL Share Your goal through social media Choose the Image to be assigned to the message Image assigned by you to the goal 5 Default Image Personalised My dream car message Field Description Field Name Description Rp Fund Goal Add Funds To Your Goal Edit Edit Your Goal Share Share Your Goals With Friends On Facebook Transactions View The Debits And Credits On Your Goals Options Available for Goal Add Goal Request For Contribution ee Request Friends And Family For Contribution Participants Add Your Friends And Family As Participants To Your Goal ben Comparison Compare Your 818 Goal Performance With Other People Like You sl Redeem Redeem Your Goal Share Your goal through social media User Manual Oracle Banking Digital Experience Personal Finance Management 71 Options Available for Goal Field Name Description Choose the Image to be Mandatory Option assigned to the Indicates an image to be assigned to the post on the message social media wall The options are e Image assigned by you to the goal e Default Image Personalized Message Optional Alphanumeric 120 Indicates the text to be posted along with the goal on the social media wall 4 In the Choose the Image to be assigned to the message field select the appropriate option Click fConnect The facebook login screen appears Facebook L
36. average expenditure set by the people in the selected age group gender and state for category Legal Expenses is 0 0 Whereas Expenditure by you for this cateogry is 20000 The average expenditure set by the people in the selected age group gender and state for category Medical bills is 0 0 Whereas Expenditure by you for this cateogry is 5 The average expenditure set by the people in the selected age group gender and state for category Cable Television is 0 0 Whereas Expenditure by you for this cateogry is 7 The average expenditure set by the people in the selected age group gender and state for category Rent is 0 0 Whereas Expenditure by you for this cateogry is 1000 Dashboard Manage My Spending User Manual Oracle Banking Digital Experience Personal Finance Management 85 Options Available for Goal 9 8 Redeem Goal The Redeem Goal feature allows you to redeem your goal partially or fully as per your requirement To redeem a Goal 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears 2 In the Goal section click Options and then select Redeem The Redeem Goal screen appears Redeem Goal REDEEM GOAL Redeem your goal partially or close your goal and transfer your maturity amount into your selected account Redeem Type Partial Full Current Balance 12 000 00 GBP Redemption Amount 12000 00 Reason for redemption Account Transfer Options Please select
37. cation login screen The successful login process navigates a user to the Goal Contribution screen To contribute to a Goal 1 From Manage My Finance screen select Goal section 2 Click Options The following Goal screen appears Goal Goals Add Goal MY GOALS W Fund Goal Add Funds To Your Request For Contribution Goal E Request Friends And Family For Contribution Es Edit Edit Your Goal Participants Add Your Friends And Family As Participants To Your Goal Share Share Your Goals With Comparison Compare Your A Goal Amount AE Li Friends On Facebook 818 Goal Performance With Other People Like You My Progress 12 000 00 GBP D Transactions View The Debits y And Credits On Your Goals xxx Redeem Redeem Your Goal 3 Click Request Contribution The Request for Contribution screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 73 Options Available for Goal Request for Contribution REQUEST FOR CONTRIBUTION Request for contribution from family and friends to reach your goal faster Choose the Image to be assigned to the message Image assigned by you to the goal Default Image Personalised My dream message Field Description Field Name Description Request for Contribution from family and friends to reach your goal faster Choose the Image to Mandatory Option be assigned to the Indicates an image to be assigned t
38. ces Oracle Corporation and its affiliates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services User Manual Oracle Banking Digital Experience Personal Finance Management ii PAONOAGAPwONs Table of Contents PROT ACC eegene Ee e 4 Transaction Host Integration Matrix ccccsseceeeseeeeeeeeeeeeeeeneeeseeeneeeeeenneeeeeenseeeeenseeeeeenseeeeeenseeeeeenss 5 Manage My Finance cccccsecceceeeeeeeseeeeseeeeeeeseeeeeeeseseeneeseseeneeseseeeeeseseeneeseseneeeseseseeeseseeeeeseseseensnseenenes 7 Bidet Cal ila OE e a ea ee SEENEN SEENEN EE ee e 16 LYE Te Fo E due EE 18 SPONGINGAMALY SIS oes rri cee eaaa a lena secant ee E e aar a a e aa ee aa arinaa aHa aa O iunssseeventeuts 29 Gal Cal C la OT r ae E T r aera a rer eoa e Ee reegen 49 FNR oT PAE EA ae e EEGENEN Eeer 53 Options Available t r Goal 12 2 eccce cece noe an ssanie eere oFeren e ee e SE vote ce ed Ee aa H PAHE Ha anaa aao EAEE aai E 65 User Manual Oracle Banking Digital Experience Personal Finance Management iii 1 1 1 1 2 1 3 1 4 1 5 Preface Preface Intended Audience This document is intended for the following audience Customers Partners Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http www oracle com pls topic lookup ctx acc amp id docacc Access to OFSS
39. d Name Description Category Display Displays the name of the category and sub category along with the graph for the expenses vs the budget Amount Display Displays the amount for the expenses vs the budget for its corresponding category and sub category User Manual Oracle Banking Digital Experience Personal Finance Management 10 3 3 Manage My Finance Expenditure Graph Display Displays the Expenditure Line Graph as per the following configurations e Green Expenditure up to 50 of Budget e Yellow Expenditure between 50 75 of Budget e Red Expenditure more than 75 of Budget Click Modify The Set A Budget screen appears OR Click Compare The Compare Budget screen appears OR Click Expand to view the sub categories OR Click the Collapse icon to close the sub categories OR Click the Budget History B icon The Budget History screen appears Note For more information about comparing and modifying budget see the Compare Budget Modify Budget section Spending Analysis Using this option you can view graphs and analyze the spending patterns To view and analyze your spending Spending Analysis A UserNewPM Last 6 months UserNewPM ege Other Expenses 400000 00 Workshop mc 80000 00 Shopping 60000 00 TestSpendClass Beverages iii Loan payment 20000 00 a NEHCATEGORY25 TestSachin uf vm Mar 14 Click here to access Spending Analysis User Manual Oracle Banki
40. dding Participants Requesting Contribution for Goals etc To create a goal 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears Manage My Finance Goals Add Goal MY GOALS You have not set any goals Please click on add goal to create a new goal 2 Click Add Goal The Create Goal screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 53 Create Goal Create Goal What are you Saving for CREATE GOAL 12 06 2015 11 25 32 GMT 0000 Ki x What are you Saving for Please provide your Goal Details Name your goal TestGoal Goal Calculator Choose Category Buying a Vehicle Choose Sub Category Car Compare Set target amount 150000 00 GBP Change Image Set target date 10 04 2014 E OR Set Tenure 0 sl 0 sl 30 e Terms amp Conditions consideration of your opening or establishing from time to time at my our request such documentary credits as you Demo Bank Ltd may at your sole discretion think fit I we the person s who signed or executed the form overleaf hereby agree that the following terms and conditions shall apply to all such credits 1 I We expressly authorize Demo Bank Limited the Bank to employ in the preparation of said Letter of Credit such terminology as the Bank deems consistent with clarity of expression usual banking practice and my
41. egory should be displayed along with the graph Specific Category View This screen is displayed when the user has opted to view spending analysis on the basis of a single category by selecting a category section from the graph This screen displays two graphs of both pie chart and bar graph each The graphs on the left shall display the main categories and the graphs on the right displays the details of the specific category selected To view the specific category 1 Click a Category in either bar graph or pie chart The Spending Analysis screen with specific category graph appears User Manual Oracle Banking Digital Experience Personal Finance Management 32 Spending Analysis Spending Analysis for Specific Categories SPENDING ANALYSIS 10 06 2015 06 13 54 GMT 0000 wv D P x a premanshuf BR Telephone Legal Expenses m Others Utility Payment Term Deposit m New Banker class Others Amount in GBP V S Categories Amount in GBP V S Categories x A a Pe a ge of i oe ye e kd a ye o RB g lt e p rr at d i View Transactions Compare With Peers Download Field Description Field Name Description Customer Optional Drop Down Indicates the customers for which the spending analysis is to be viewed User Manual Oracle Banking Digital Experience Personal Finance Management 33 Spending Analysis Field Name Description Search By Mandatory Drop Down Indicates the
42. erience Personal Finance Management 20 Budgeting Field Description Field Name Description Period of your Budget Mandatory Drop Down Indicates the budget period The options are e Weekly e Monthly e Quarterly e Annually Rollover this Budget Optional Check Box Indicates whether the same budget should rollover to the future period Category Display Displays category or sub category displayed based on selection The certain categories may have sub categories In such case click the Expandable icon to view the sub categories Enter Amount for Optional Numeric 15 the Budget Indicates the amount you wish to set for your budget 1 From the Period of your Budget list select the appropriate option 2 Click Save Budget The Set A Budget screen with success message appears OR Click Delete Budget to delete the budget The Set A Budget screen with successful deletion message appears Note Once an Existing Budget is deleted OR the Rollover Budget option is deselected then the corresponding history is also deleted The Warning Message is displayed on the screen before deleting any budget User Manual Oracle Banking Digital Experience Personal Finance Management 21 Budgeting Success Message SET A BUDGET 09 06 2015 11 35 03 GMT 0000 e wv D P x Ge Budget has been modified successfully The budget set will be applicable from 01 Jun 2015 To 31 Aug 2015 Period of your Budget Quarterly Rol
43. es on 80000 00 ZAARRA Legal Expenses 60000 00 Others Utility Payment Term Deposit 20000 00 0 00 Mar 14 Click here to access Spending Analysis Goals Add Goal mycar MY GOALS SHARED GOALS Goal Amount 150 000 00 GBP gt lt Goal Amount 150 000 00 GBP Goal Amount 12 120 00 GBP My Progress 100 00 GBP My Progress 12 000 00 GBP My Progress 1 000 00 GBP Dashboard Manage My Finance Q User Manual Oracle Banking Digital Experience Personal Finance Management 19 Budgeting 2 Click Create Budget The Set A Budget screen appears 5 1 Set Budget The Set Budget feature allows user to create a desired budget based on the values you put for the mentioned categories Once you navigate to Manage My Finance from the Menu Bar the following page is displayed To plan a budget Set A Budget SET A BUDGET 09 06 2015 11 35 03 GMT 0000 B OF PB x Period of your Budget Quarterly Rollover this budget m Enter the budget amount for category and subcategory to set budget for the respective category Sub categories Category Enter Amount for the Budget New Banker class 12000 00 Time Deposit 24000 00 Utility Payment 0 00 erm Deposit Tem Den 80000 00 Loan payment 0 00 FX 0 00 InformationTechnology 0 00 BILUNG 0 00 Interest Paid 0 00 cashment 0 00 Grocery Bill 0 00 Save Budget Delete Budget User Manual Oracle Banking Digital Exp
44. f all the liabilities with amount and percentage with respect to the total liability amount and sum total of all the liabilities of the user The values are e Current and Savings CASA under the selected customer Id with the negative balance e Loans Loan accounts balance under the selected customer Id e Other Liabilities Displays the total of other liabilities Click See More Details The Consolidated View screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 9 3 2 Manage My Finance Note For more information about Consolidated View screen see nquiries User Manual Your Expense Vs Budget The Your Expenses Vs Budget screen displays existing Budget Vs the Expenditure for the current period for the respective categories and sub categories Note If no budgets are set at sub categories level then the Expand button if clicked displays an error message as No budgets are set for the sub categories Please set budgets for sub categories to view Expense Vs Budgets for sub categories To view the expenses verses budget details From the PFM menu select Manage My Finance The Manage My Finance screen appears Your Expense Vs Budget Your Expense Vs Budget 01 Jan 2015 to 31 Dec 2015 lt lt gt gt New Banker class B 0 00 GBP of 5 000 00 GBP utility Payment ab 0 00 GBP of 700 00 GBP Charity Donations B 0 00 GBP of 5 000 00 GBP Compare Modify Field Description Fiel
45. for Goal End Date Optional Pick List Indicates the end date until which the regular contributions will be executed 9 Edit the details in How often would you like to contribute section if required Edit Goal EDIT GOAL What are you Saving for How often would you like to contribute How do you wish to receive the amount on completion of tenure Account Transfer Options Transfer to Users Mapped Accounts x Account number 10411523 1040411523073 CO Q Field Description Field Name Description How do you wish to receive the amount on completion of tenure Account Transfer Mandatory Drop Down Options Indicates the account transfer options The options are e Transfer to Users Mapped Accounts e Transfer to Internal Bank Account e Transfer through Domestic Clearing Network Account Number Conditional Alphanumeric 20 Drop Down Indicates the account number to which proceeds to be transferred This field is a searchable drop down if you select Transfer to users Mapped accounts option from the Account Transfer Options list Below fields appears if you select Transfer to Internal Bank Account option from the Account Transfer Options list User Manual Oracle Banking Digital Experience Personal Finance Management 79 10 9 6 Options Available for Goal Field Name Description City Mandatory Drop Down Indicates the city of the branch Branch Mandatory Drop Down
46. g Analysis screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 29 Spending Analysis Main Categories in the Spending Analysis In addition to maintaining default categories a new category can also be created by the user While creating a new category the system verifies that the category being created does not already exist for the customer Spending Analysis For All Customers SPENDING ANALYSIS 10 06 2015 05 44 49 GMT 0000 GQ DI P x 00008238 AMIT Customer 00008207 WALKINCIF 10411523 SPEND 3 NNNNRAGTIOATS ATA HMIA Search Dy Last six months H From Date E To Date E Currency All H View Field Description Field Name Description Customer Optional Drop Down Indicates the customers for which the spending analysis is to be viewed Search By Mandatory Drop Down Indicates the periodic search options available to the user From Date Optional Pick List Indicates the start date from which the details are to be retrieved To Date Optional Pick List Indicates the end date up to which the details are to be retrieved Currency Optional Drop Down Indicates the currency From the Search By list select the appropriate option Click View The Spending Analysis screen with updated graph as per the filter criteria selected appears OR Click View Transactions The Transaction screen appears OR User Manual
47. group for analysis Indicates whether to include this category for comparison or not Choose Age Group Optional Drop Down Check Box Indicates the user to select age group for analysis Indicates whether to include this category for comparison or not Choose Gender Optional Drop Down Check Box Indicates the user to select gender group for analysis Indicates whether to include this category for comparison or not Choose State Optional Drop Down Check Box Indicates the user to select state for analysis Indicates whether to include this category for comparison or not 3 From the I want to Compare list select the appropriate option a If you select Goals option i From the Select Goal Type list select the appropriate option 4 Click Compare to get the average analysis The graph displaying average of set tenure average completion tenure and average amount of goal set by others within same group appears User Manual Oracle Banking Digital Experience Personal Finance Management 84 Options Available for Goal Result Compare with Peers 2l 6 Gi d i Term Deposit Legal Expenses Medical bills Cable Television Rent K Expenditure comparison for you with People in same group as you for same age group gender and state The average expenditure set by the people in the selected age group gender and state for category Term Deposit is 4480 29 Whereas Expenditure by you for this cateogry is 18906 81 The
48. iption Field Name Description Manage My Finance Goal Owner Display Displays the name of the user who has created the goal Goal Image Goal Name Icon Indicates the link to view the Goal Details screen Goal Amount Display Displays the goal amount set Current Savings Display Displays the current balance in the goal Still to achieve Display Displays shortfall amount with respect to the goal amount and current savings My Progress graph Progress Indicator Indicates the current achievement in percentage with respect to the goal amount set Click Options The Goal screen appears with different transactions for the goal Options Goals Add Goal FirstCar MY GOALS W Fund Goal Add Funds To Request For Contribution bi Your Goal OZ Request Friends And Family For Contribution JOINT GOALS E Edit Edit Your Goal SHARED GOALS Share Share Your Goals Goal Amount f With Friends On Facebook My Progress 12 000 00 GBP Transactions View The SH Debits And Credits On Your Goals Click Fund Goal The Fund Goal appears OR Click Edit The Edit Goal screen appears OR Click Share The Share Goal screen appears User Manual Oracle Banking Digital Experience Personal Finance Management Participants Add Your Friends And Family As Participants To Your Goal Comparison Compare Your A n bjs Goal Performance With Other People Like You Redeem Redeem
49. lover this budget Enter the budget amount for category and subcategory to set budget for the respective category Sub categories SET A BUDGET 09 06 2015 11 35 03 GMT 0000 r EDULOAN 0 00 LOAN1 EDU1 LAON45 LOAN2 HLOAN EDULOAN purchasing cashment Grocery Bill Click OK The Manage My Finance screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 22 Budgeting Your Expense Vs Budget 01 Jun 2015 to 31 Aug 2015 lt lt gt gt New Banker cla 0 00 GBP of 12 000 00 GBP Time Deposit 0 00 GBP of 24 000 00 GBP Term Deposit 0 00 GBP of 80 000 00 GBP LOAN2 0 00 GBP of 12 000 00 GBP EK User Manual Oracle Banking Digital Experience Personal Finance Management 23 Budgeting 5 2 Compare Budget This option allows the user to compare the budgets set by the user with the budget details of others in the same age group gender state It also gives the graphs of average budget set by others in the same group and the users position for the same categories The user can reset the default values and view the comparison of different groups of people The observations are displayed to the user Once the budget is created you can compare the budgets To Compare a Budget 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears 2 Select Your Expenses vs Budget section Click Compare The Compare Budget scree
50. n appears Compare Budget COMPARE BUDGET want to Compare Budget X res Loan payment Jewellery Beverages Charity Donzatorbke The result displayed below is based on the data available for your profile You can change data for comparison and remove data for comparison using checkboxes available Select Category Choose Income Group Select v Idi Choose Age Group 21 30 e Mi Choose Gender Female e E Choose State Select X Field Description Field Name Description Compare with Peers User Manual Oracle Banking Digital Experience Personal Finance Management 24 Budgeting Field Name Description I want to Compare Mandatory Drop Down Indicates the user to select a transaction The options are e Goals e Budget e Spend Select Category Mandatory Drop Down Indicates the sub categories for comparison of budgets Choose Income Optional Drop Down Check Box Group Indicates the user to select income group for analysis Indicates whether to include this category for comparison or not Choose Age Group Optional Drop Down Check Box Indicates the user to select age group for analysis Indicates whether to include this category for comparison or not Choose Gender Optional Drop Down Check Box Indicates the user to select gender group for analysis Indicates whether to include this category for comparison or not Choose State Optional
51. nded for use in any inherently dangerous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and servi
52. new participants The Add New participants section appears in Participants screen User Manual Oracle Banking Digital Experience Personal Finance Management 68 Options Available for Goal Participants PARTICIPANTS Existing Participants estGoal Add New Participants Add New participants Email Id Dhawni oracle com E Field Description Field Name Description Existing participants Note If no participants have been added then this section will not have any data Email Id Display Displays the email id of the person added as participant to the goal Add New participants Email Id Conditional 255 Indicates the email id of the person to be added as participant 4 In the Email Id field enter the email id of the participant OR Click to add another new participant OR Click to remove the participant 5 Click Submit The Add new participants message box appears OR Click Close to close the Add New participants section User Manual Oracle Banking Digital Experience Personal Finance Management 69 Options Available for Goal Alert Message PARTICIPANTS Existing Participants ADD NEW PARTICIPANTS amp Request for adding Participant initiated The EI FirstCar participants will be added to the goal after acceptance of request by the added members Add New Participants Reference No 878644202329752 Add New participants Secure Code w9l4Gr
53. ng Digital Experience Personal Finance Management 11 Field Description Field Name Description Manage My Finance Spending Analysis Graph Categories Display Displays the categories maintained for spending along with amount in a currency and percentage 1 Click the Click here to access Spending Analysis link The Spending Analysis screen appears Note For more information about spending analysis see the Spending Analysis section 2 Click the category legend in the pie chart The line graph with transaction details of the last 6 months for the selected category appears 3 4 Goals This section in the Manage my Finance page displays the goals created by the customer and the goals in which the customer is a participant with option to fund edit redeem share add participants to the goal view goal transactions and compare goal The view goals have two tabs e My Goals e Joint Goals To access the View Goal 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears My Goals This tab displays the goal s that you have created in the application Goals MY GOALS JOINT GOALS SHARED GOALS Goal Amount l Goal Amount My Progress 12 000 00 GBP My Progress 1 000 00 GBP Options Options Baia User Manual Oracle Banking Digital Experience Personal Finance Management Add Goal Goal Amount My Progress 100 00 GBP Options Field Descr
54. nsfer through Domestic Clearing Network option from the Account Transfer Options list Beneficiary Name Mandatory Alphanumeric 35 Indicates the name of the beneficiary to whom funds are to be transferred Network Type Mandatory Drop Down Indicates the applicable domestic clearing networks Bank Code Mandatory Pick List Indicates the destination account s bank code Bank Name Display Displays the name of the beneficiary bank User Manual Oracle Banking Digital Experience Personal Finance Management 87 Options Available for Goal Field Name Description Bank Address Display Displays the address of the beneficiary bank City Display Displays the city of the beneficiary bank 3 In the Redemption Type field select the appropriate option a If you select Partial option i In the Amount field enter the amount 4 From the Account Transfer Option list select the appropriate option a If you select Transfer to users Mapped accounts option i From the Account No list select the appropriate option b If you select Transfer through Domestic Clearing Network i In the Account No field enter the account number ii From the Network Type list select the appropriate option jii In the Beneficiary Name field enter the beneficiary name c If you select Transfer to Internal Bank Account i In the Account No field enter the account number ii From the City list select the appropriate option iii From the
55. nst the expense maintained by the bank for same category 7 Click Back to navigate to the previous screen The Spending Analysis screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 48 Goal Calculator 7 Goal Calculator Before creating a goal the Goal Calculator helps you to understand the Indicative Savings Note The Registered Users and visitors will only be able to use the Goal Calculator and Compare Goals To calculate the prospective savings 1 From the Tools menu select Goal Calculator The Goal Calculator screen appears GOAL CALCULATOR 10 06 2015 05 03 08 GMT 0000 Ow O P What are you saving for Name your goal Set target amount GBP Choose Category Select X Set your goal tenure Tenure In Montber 1 How do you want to keep saving towards your goal How often would you like to contribute Only initial deposit amount l Amount you wish to start with GBF Calculate Compare Goal Proceed With Goal Creation Reset Field Description Field Name Description What are you saving for Name your goal Mandatory Alphanumeric 40 Indicates the name of the goal Set target amount Mandatory Numeric 15 Indicates the target amount of the goal User Manual Oracle Banking Digital Experience Personal Finance Management 49 oe o ko bh Goal Calculator Field Name Description Ch
56. o the post on the social media wall message The options are e Image assigned by you to the goal e Default Image Personalized Optional Alphanumeric 120 Message Indicates the text to be posted along with the goal on the social media wall In the Choose the Image to be assigned to the message field select the appropriate option Click fConnect The facebook login screen appears Facebook Login Field Description Field Name Description User Manual Oracle Banking Digital Experience Personal Finance Management 74 9 5 Options Available for Goal Field Name Description You must login to see the following page Email Mandatory 255 Indicates the email Id of the user to login to the facebook Password Mandatory 20 Indicates the valid password Facebook Application for Goal Custom Privacy Make this visible to Mandatory Drop Down these people Indicates the sharing setting Click Login to login to the facebook The facebook screen appears OR Click Cancel to cancel the share request The facebook screen appears Click Contribute The Contribute screen appears Note The contribution towards a goal can be done only by Existing Customers The contributor is able to transfer funds from the Internal Account to Goal Edit Goal The Edit option is provided against each goal It enables any user to modify the goal details at any time during the tenure of the goal The user can modify
57. ogin Field Description Field Name Description You must login to see the following page Email Mandatory 255 Indicates the email Id of the user to login to the facebook Password Mandatory 20 Indicates the valid password Facebook Application for Goal Custom Privacy Make this visible to Mandatory Drop Down these people Indicates the sharing setting 6 Click Login to login to the facebook The facebook screen appears OR Click Cancel to cancel the share request The facebook screen appears 7 Click Continue to continue with goal sharing Click Share Goal to share the goal on the facebook wall of the user User Manual Oracle Banking Digital Experience Personal Finance Management 72 Options Available for Goal Click Ok to close the screen 9 4 Request Contribution The contributions towards goal can be done only by individuals having existing Savings Account relationship The request for contribution allows user to request for contribution from others through social networking site currently Facebook The individual from whom contribution has been requested is able to contribute to the goal by clicking the link on the post On clicking the link the individual is navigated to the application through Facebook for validation of the Facebook User ID The application validates if U D entered is been mapped with the goal Once the validation is successful the member is then navigated to the OBDX appli
58. ontribution The Request for Contribution screen appears OR Click Participants The Participants screen appears OR Click Transactions The Transactions screen appears OR Click Deregister to deregister as participant from the selected goal OR Click Add Goal The Create Goal screen appears OR Click Goal Image Goal Name The Goal Details screen appears Note For more information about the goal options and the Goal Details screen see the Goal Details and Options Available for Goals sections User Manual Oracle Banking Digital Experience Personal Finance Management 15 Budget Calculator 4 Budget Calculator This feature is available for the following types of users e Existing Users e Prospect Customers To access the Budget Calculator 1 From the Tools menu select Budget Calculator The Budget Calculator screen appears Budget Calculator BUDGET CALCULATOR 09 06 2015 11 27 11 GMT 0000 GQ vs Total monthly Income Please Enter Amount Monthly category wise Expenditure Home Rent Taxes Maintenance Food and Groceries Utility Bills Electricity Gas Phone Travel Fuel train parking Debts Repayment Loan Installments Family Expenses School Fees Savings Pensions investments insurance Other monthly Expenditure Help Me Create Budget Reset Calculate My Total Saving Compare Budget Indicates mandatory fields Field Description Field Name Description
59. oose Category Mandatory Drop Down Indicates the category of the goal Set your goal tenure Tenure In Months Mandatory Date Picker Indicates the goal tenure How do you want to keep saving towards your goal Amount you wish to Conditional Numeric 15 start with Indicates the initial deposit amount To enable this field select either Weekly or Fortnightly or Monthly or Quarterly or Annually option from the How often would you like to contribute list How often would Mandatory Drop Down you like to contribute Indicates the frequency at which deposit will be made The options are e Only initial deposit amount e Weekly e Fortnightly e Monthly e Quarterly e Annually In the Name your goal field enter the goal name In the Set target amount field enter the goal target amount From the Choose Category list select the appropriate option From the Tenure In Months date picker select the appropriate option From the How often would you like to contribute list select the appropriate option If you select either Weekly or Fortnightly or Monthly or Quarterly or Annually option from the How often would you like to contribute i In the Amount you wish to start with field enter the appropriate amount Click Calculate The graph displaying the amount that should be saved based on the data entered appears on Goal Calculator screen OR Click Proceed with Goal Creation to proceed to the next s
60. order to update categories and sub categories and to modify assignments please select a single customer from the filter options 8 Click the Manage Categories link The Manage Categories screen appears Manage Categories MANAGE CATEGORIES Customer ID 10411523 Add a Category Add a Sub Category Delete a Category or Sub Category A Cancel Update User Manual Oracle Banking Digital Experience Personal Finance Management 40 9 Spending Analysis Field Description Field Name Description Manage Categories Customer Display Displays the customer Id of the account with which the transaction has been initiated It is mandatory to select either Add New Category or Add a Sub Category or Delete a Category or Sub Category option Add New Category Optional Option Alphanumeric 25 Indicates the user to create a new category To enable the input field select this option Add a Sub Category Optional Option Indicates the user to create a sub category Category Conditional Drop Down Indicates all the categories as maintained at the host This field appears if you select the Add a Sub Category option Sub Category Conditional Alphanumeric 25 Indicates the user to name the new sub category being created Delete a Category or Optional Option Drop Down Sub Category Indicates the user to select a category to be deleted To enable the list select this option Select either Add New Categ
61. ory or Add a Sub Category or Delete a Category or Sub Category option a If you select Add New Category option i In the Add New Category field enter the name of the new category b If you select Add a Sub Category option i From the Category list select the appropriate category ii In the Sub Category field enter the name of the new sub category c If you select Delete a Category or Sub Category option i From the Delete a Category or Sub Category list select the appropriate category Click Update The Manage Category screen with success message appears OR Click Cancel to navigate to the previous screen The Transactions screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 41 11 Spending Analysis Success Message MANAGE CATEGORY A Record Successfully Modified and Authorized amp Subcategory Deleted Successfully Customer Id 10411523 Category Legal Expenses Subcategory Lawyer Fees Click Close User Manual Oracle Banking Digital Experience Personal Finance Management 42 6 2 3 Compare with Peers Spending Analysis The Compare with Peers feature helps for Benchmarking The user is able to view the comparison of the five highest expenditure categories with that of peers To access the Benchmarking From the PFM menu select Manage My Finance The Manage My Finance screen appears Click the Click here to access Spending Analysis link The
62. ost Display Displays the transaction amount with currency Equivalent currency Display Amount Category Spending Analysis Displays the transaction amount with currency of as per bank rate Display Displays the category or sub category to which the transaction is assigned Transactions of the Single Customer for the Selected Categories Sub Categories To modify the transactions Poh Click View Navigate to initial Spending Analysis screen From the Search By list select the appropriate option From the Customer list select the appropriate single customer The Transaction screen with transaction records that are assigned to the category or sub category appears TRANSACTIONS x Word Wrap Customize Columns Download Print t Date Customerid Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category Subcategory 8 si S S 5 Utility Payment ei 10 03 2014 10411523 1040411523062 104FTRQ140690002 ACCOUNT TO ACCOUNT TRANSFER GBP 15 00 GBP 15 00 Geier 004ITSB141810A2E D 4 e A e e n e Utility Payment e 10 03 2014 10411523 1040411523062 104FTRQ140690002 ACCOUNT TO ACCOUNT TRANSFER GBP 8 00 GBP 8 00 pe hi 0041TSB141810A2E i i S e Utility Payment 10 03 2014 10411523 1040411523062 1040PEX140690502 Payments and Collections Transaction code GBP 10 00 GBP 10 00 See 004ITSB141810A2E 11 03 2014 10411523 1040411523062 104S1U1140692002 COMMISSION GBP
63. our intent as set forth herein amp View Terms amp Conditions BI Download Terms amp Conditions Ni We have read and agreeable to the conditions mentioned also clarify the accuracy of the information provided in the subsequent sections declare myself with the provisions of the data protection agreement Amount you wish to start with How often would you like to contribute m How do you wish to receive the amount on completion of tenure Field Description Field Name Description What are you Saving for Please provide your Goal Details User Manual Oracle Banking Digital Experience Personal Finance Management 54 E d Sr Hr Ze E Create Goal Field Name Description Name your goal Mandatory Alphanumeric 40 Indicates the name of the goal Choose Category Mandatory Drop Down Indicates the category under which the goal is to be created Choose Sub Mandatory Drop Down Category Indicates the sub category under which the goal is to be created Change Image Mandatory Link Indicates the link to set the image to be assigned to the goal Set an Amount Mandatory Numeric 15 Indicates the amount of the goal along with the currency icon or ISO value of the currency Set Target Date Conditional Pick List Indicates the end date of the goal The date should be greater than the current date Set Tenure Conditional Drop Down Indicates the tenure of
64. periodic search options available to the user The options are e Previous One Week e Previous Fortnight e Last One Month e Last Two Months e Last Six Months e Specify Period From Date Optional Pick List Indicates the start date to view transactions that were initiated To Date Optional Pick List Indicates the end date to view transactions that were initiated Currency Optional Drop Down Indicates the currency to filter the details from the available currencies 2 From the Search By list select the appropriate option Click a Category either bar graph or pie chart in the right pane Click View The Spending Analysis screen with updated graph as per the filter criteria selected appears OR Click View Transactions The Transaction screen with transaction records that are assigned to the category or sub category appears OR Click Compare with Peers The Compare with Peers screen appears OR Click Download to download either graph or both graph and transactions OR Click the icon to deselect the specific category or sub category OR Click the View Trend of last six months link The Spending Trend screen displaying spending trend of specific category or sub category appears User Manual Oracle Banking Digital Experience Personal Finance Management 34 2 Spending Analysis Spending Trends This screen displays the graph of monthly spending trend of the specific category or sub category over a period
65. play Displays the amount for expenditure Vs the budget for the category and sub category 3 Click Close to close the screen The Manage My Finance screen appears Note An Alert is received in the case Alert on Budget Exceeding Threshold and deleting a Budget User Manual Oracle Banking Digital Experience Personal Finance Management 28 6 Spending Analysis Spending Analysis Using this option you can view the graphs analyze the spending patterns You can view spending analysis in the form of pie chart default graph and bar graph You can also print and download the spending analysis along with graphs in PDF format To navigate to the Spending Analysis section 1 From the PFM menu select Manage My Finance The Manage My Finance screen appears Manage My Finance MANAGE MY FINANCE 10 Jul 2015 06 13 49 GMT 0000 2 Oe CU E x Financial Overview HAVE OWE 777 114 558 00 GBP 100 372 578 432 989 75 GBP Your Expense Vs Budget 01 Jan 2015 to 31 Dec 2015 lt lt gt gt New Banker class B 0 00 GBP of 5 000 00 GBP Utility Payment oB 0 00 GBP of 700 00 GBP Charity Donations B 0 00 GBP of 5 000 00 GBP Compare Modify Spending Analysis LOAN Last 6 months LOAN 120000 00 Rent 100000 00 Other Expenses ET 80000 00 ZARARA Legal Expenses 60000 00 m Others m Utility Payment _ Term Deposit 20000 00 0 00 2 Click the Click here to access Spending Analysis link The Spendin
66. riods To view the budget history i From the PFM menu select Manage My Finance The Manage My Finance screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 26 Budgeting MANAGE MY FINANCE 10 Jul 2015 06 13 49 GMT 0000 2 Ge OD P x Financial Overview See More Details HAVE OWE 777 114 558 00 GBP 100 372 578 432 989 75 GBP Your Expense Vs Budget 01 Jan 2015 to 31 Dec 2015 lt lt gt gt New Banker class 0 00 GBP of 5 000 00 GBP Utility Payment 0 00 GBP of 700 00 GBP Charity Donations 0 00 GBP of 5 000 00 GBP 2 Click the Budget History B icon The Budget History screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 27 Budgeting Budget History BUDGET HISTORY 10 06 2015 04 56 51GMT 0000 B yy E LOAN2 0 00 GBP of 14 000 00 GBP EDULOAN 0 00 GBP of 4 000 00 GBP HLOAN 0 00 GBP of 10 000 00 GBP No budget set for the selected period No budget set for the selected period No budget set for the selected period No budget set for the selected period No budget set for the selected period Field Description Field Name Description Month or Quarter Display Displays the previous month or quarter as per configuration to display the expenses vs budget Category Display Displays the name of the category and sub category along with the graph for the expenses Vs the budget Amount Dis
67. s i 80000 00 ZE Legal Expenses 60000 00 Others Utility Payment 20000 40 Term Deposit 20000 00 0 00 Mar 14 Click here to access Spending Analysis Goals Add Goal MY GOALS SHARED GOALS Goal Amount 150 000 00 G GBP Goal Amount 12 120 00 GBP My Progress 100 00 GBP My Progress 12 000 00 GBP My Progress 1 000 00 GBP Dashboard Manage My Finance Ki The Manage My Finance feature includes the following sections User Manual Oracle Banking Digital Experience Personal Finance Management 8 3 1 Manage My Finance Financial Overview section Your Expense Vs Budget Spending Analysis My Goals Financial Overview This section displays the sum of assets and sum of liabilities of the customer To view your assets and liabilities MANAGE MY FINANCE 09 06 2015 10 48 25 GMT 0000 D wy DI B x a Financial Overview See More Details HAVE OWE Field Description Field Name Description I Have Display Displays the details of all the assets with amount and percentage with respect to the total asset amount and sum total of all the assets of the user The values are e Current and Savings CASA under the selected customer Id with the positive balance e Term Deposits Term deposit accounts balance under the selected customer Ids e Goals Goals under the selected customer d e Investment Displays the total investment Owe Display Displays the details o
68. tep of goal creation process OR Click Compare Goal The Compare Goal screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 50 Goal Calculator OR Click Reset to clear all values Goal Calculator User Manual Oracle Banking Digital Experience Personal Finance Management 51 Goal Calculator GOAL CALCULATOR 12 06 2015 05 39 28 GMT 0000 B wy D FB x a What are you saving for Name your goal my vactn Set target amount 12000 Choose Category Holiday z Set your goal tenure 120 Months Tenure In Months How do you want to keep saving towards your goal How often would you like to contribute Weekly kl Amount you wish to start with 2000 Calculate Compare Goal Proceed With Goal Creation If you save GBP 1 988 00 every Weekly you will be able to reach your goal my vactn of GBP 12 000 00 in 1 months at interest rate of 10 00 Disclaimer Calculation shown above is an indication amount actual calculation may differ from the values shown above TIME PERIOD VS TOTAL AMOUNT 44000 47900 40 ett 600 AH 700 D 703 Time Period User Manual Oracle Banking Digital Experience Personal Finance Management 52 Create Goal 8 Create Goal Creating a Goal helps user to analyze savings expenses and the time limit required to achieve the desired result This feature also helps to redeem share and compare goals It also includes additional features like A
69. the Goal Name Goal Image and Goal Amount Tenure and the Regular Contribution and Maturity Instruction Details entered at the time of goal creation using the Edit hyperlink provided against each goal The nitial Funding Goal Category and the Goal Sub Category cannot be modified On modification and confirmation an alert for Confirmation Message is displayed to the customer To modify a Goal From Manage My Finance screen select Goal section Click Options The following Goal screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 75 Options Available for Goal Goal Goals Add Goal MY GOALS X TTN W Fund Goal Add Funds To Your Request For Contribution 6 Goal ec Request Friends And Family For Contribution P Edit Edit Your Goal Participants Add Your Friends S And Family As Participants To Your Goal Share Share Your Goals With Comparison Compare Your Goal Amount 150 000 GBP Gi Friends On Facebook A Goal Performance With Other People Like You My Progress 12 000 00 GBP TT Transactions View The Debits tex Redeem Redeem Your Goal SH And Credits On Your Goals 3 Click Edit Goal The Edit Goal screen appears Edit Goal EDIT GOAL gt What are you Saving for Please provide your Goal Details Name your goal TestGoal Goal Calculator Choose Category Buying a Vehicle Choose Sub Category Car Compare Set target amount 150000
70. the first page of the record Click to view the previous page of the record Click to view the next page of the record Click to view the last page of the record Updated Record Success Message MANAGE CATEGORY amp Record Successfully Saved and Authorized amp Category Created Successfully Customer Id 10411523 Category Domestic Travel Close 6 Close the Transactions window The Spending Analysis Graphical View is updated as shown in the following screenshot Updating a Category OR Sub Category The add update category feature allows user to add a new category to the existing ones The addition or deletion of a category sub category shall be done under the Customer ID of the account using which the selected transaction has been initiated To add a Category Sub Category 7 Click View Transactions available on the Spending Analysis page The Transactions screen appears User Manual Oracle Banking Digital Experience Personal Finance Management 39 Spending Analysis Transactions TRANSACTIONS You have selected 2 records View Details Date Customerid Account S Transaction Ref No Transaction Description Amount 11 03 2014 10411523 1040411523073 104DEBK140700UI4 Immediate Credit GBP 1 500 00 GBP 11 03 2014 10411523 1040411523062 104DEBK140700IXD NEW DEPOSIT GBP 89 61 GBP Records 1 to 2 of 2 Multiple Update Select z YR Manage Categories In
71. the goal in terms of number of years months and days View Terms and Mandatory Link Check Box Conditions Indicates the link to view the Terms and Conditions Indicates whether to proceed with goal creation or not In the Name your goal field enter the name of your goal From the Choose Category list select the appropriate option From the Choose Sub Category list select the appropriate option Click the Change Image link to upload change the image In the Set an Amount field enter the goal amount From the Set Target Date list select the appropriate date OR From the Set Tenure list select the appropriate values for years months and days To proceed for goal creation select the View Terms and Conditions check box OR Click Goal Calculator to view the amount that should be saved regularly to reach the target amount by the tenure set The Goal Calculator screen appears OR Click Compare The Compare Goal screen appears OR User Manual Oracle Banking Digital Experience Personal Finance Management 55 Create Goal Click Download Terms and Conditions icon to download the terms and conditions in a new window Amount you wish to start with CREATE GOAL 2 Bw What are you Saving for Amount you wish to start with Please provide the funding details for the goal account Amount 2000 GBP Minimum 100 00 GBP Maximum 500 000 00 GBP Funding account Number 000003171 000003171305 Ba

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